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Bernard Desmond OPPORTUNITY BROKER They say there are two guarantees in life, but Bernard securing your mortgage is now unofficially the third. His confidence comes from 14 years of experience and an unequivocal desire to provide you with the most opportunity from your mortgage. But don’t just take our word for it; Bernard’s strike rate from application to approval is awarded as the best in the industry: Winner 2020 Best Customer Service of the year at the Australian Broking Awards, 2020 Best Customer Service of the year at the Better Business Awards, 2019 Residential Broker of the Year and 2018 Australian broker of the Year. Supportive yet honest, Bernard has your best interest at heart and a blank piece of paper in hand, ready to fill it with plans and possibilities. Bernard sees opportunity getting to understand you and your financial goals better than the rest. He’s personable and tenacious, giving you the ability to take your money further — like that ocean villa in Hawaii.
Go-Between Loan (for Residential purposes)
What people are saying
Kayley van Dijk
We absolutely loved working with Bernard and Lavinia. From the very beginning we felt like we were part of their family, and particularly for first home owners, they took us through each step slowly to make sure we were comfortable. I could not recommend them more highly!
Bernard and Lavinia have been wonderful to work with. They have complete understanding of what I need which in turn has led them to get the me appropriate package with one of the major banks. The turn around has been very quick. Communication has been very crisp. I recommend them for any of you looking for great mortgage agents.
The experience, process and service provided by Blank (Bernard, Lavinia & team) far exceeds that of any bank. From start to finish the team give you confidence and comfort that you’re in the right place. Extremely experienced and professional, yet personal!
Bernard constantly worked around the clock through the multiple challenges that came with our application and he filled us with the confidence that he could get it done. The Blank team was always so supportive going above and beyond throughout the entire process working around the clock always willing to answer all our questions and queries as first home buyers. We will 100% recommend Blank Financial to all our friends!
The experience working with Bernard and his team is exceptional. Highly recommended! And now I get my pre approval only in 2 days after the submission even proves how efficient they are at their jobs and on top of their communications with me. Thank you Bernard!
Thank you Bernard for helping us rearrange our financial requirements and particularly for being so accessible and responsive even late at night and doing all the legwork and back and forth for us throughout the process. We’ve barely had to lift a finger, you’ve thoroughly taken care of all the background things and kept us informed and on top of things the whole way through. Things also happened very quickly and efficiently. We also believe you have secured the best product available for us in the market and we thoroughly appreciate your time and research into making that happen. It’s been so easy and pleasant working with you and your team. We thank you so much, Nadia and Leon.
Thank you, Bernard, for all your help and support. You have been our trusted advisor, and we appreciate all that you have done for us to secure a complex loan. I would highly recommend Bernhard to anyone who wants to leverage his network to secure a great loan. Not only did Bernard meet our execrations. He exceeds them throughout the entire process going above and beyond, late-night calls and getting us approval in record time. Truly amazing. I greatly appreciated his support and responsiveness from his team.
Bernard, Lavinia and the team at Blank are exceptional operators, their professionalism and commitment to delivering customer satisfaction was second to none. Taking the time to fully understand what was important coupled with clear and concise communication, with seamless tech-savvy processes, led to a remarkable experience; first chat (Melb Cup public holiday!), application, unconditional approval and executed docs in 8 days -- absolutely unbelievable and demonstrates the outstanding industry experience, thorough understanding of credit policies and most importantly, Bernard's credibility with lenders. Bernard, you provided us confidence throughout the entire process, I genuinely appreciate your efforts and thank you for negotiating a brilliant outcome. Cheers, David
Jason De Luca
The team at Blank financial are a joy to work with. Bernard and Lavinia are responsive, patient and always willing to guide you through what can be a very challenging and nerve-wrecking time. They helped us get a great deal on a home loan and went above and beyond during the purchasing stages to make sure we we're equipped with everything we needed to purchase our home. I can't recommend Blank Financial highly enough!
Bernard was very professional and very efficient. My husband and I were told we couldn't get the finance we wanted so we switched to Blank Financial recomended by my sister who was very happy with his work. Bernard is a very positive person and gave us hope. Within a week, we got pre approved for our dream home. Thanks Bernard for your efficiency and professionalism, and we will definitely recommend you to our friends and family and anyone who needs a great financial broker. Paul &Nat Atgiaras.
We highly recommend Bernard and his team. Great communication throughout the whole process, providing us with clear information to make the best financial choices for our personal lending needs. We felt supported and guided through each step to achieve a successful outcome.
Bernard and his team were a pleasure to work with, they took time to understand our goals and tailor a package to suit our family. Their knowledge and understanding of the banks policy and procedures were instrumental in us getting our loan approved. We were kept up to date every step of the way until unconditional approval!
Jo and I wanted to take this opportunity to personally thank you for your service and guidance in refinancing our current home loan but helping us secure our first investment loan. Your service was first class and professional throughout the journey, answering our queries, advising the next steps and always being available no matter what time of day. Your customer service is first class and go above and beyond with the example of you personally hand delivering our signed home loan documents to CBA due to the postage service current delay in turnaround. Thank you again
Bernard and team were extremely professional and prompt with their service right from the get go. They made the whole loan process effortless for me, keeping me updated along the way. Got me a great deal with the home loan. Thank you Bernard and Blank Financial. Would highly recommend them.
Always a pleasure dealing with blank financial. So helpful and always available when contacting for support. Bernard makes us feel like We’re the only people he deals with, he makes everything feel so easy and possible. I would 100% recommend his service ! Thanks Bernard for helping us with using our hard earned money in the best way. 🙏
We have used Bernard for many years now. He is a consummate professional and a very good communicator. He was always looking for the best deal for us and kept us informed of all of our options throughout. We were very happy on the deal Bernard secured for us on both a refinance for an investment property and a new loan for an owner occupied property. Highly recommend.
Bernard and Lavinia have built a faultless, client-centric broker business. It seemed like nothing would ever stop them in helping us get our home loan over the line, we are truly grateful Bernard and Lavinia.
Charmaine Grace Malapitan
David and I have been looking to get a house for about a year now, but with this market and pandemic, it has been a difficult journey from losing auctions and not being able to find the right opportunity. We reached out to Bernard and his team a couple of weeks ago and just like that we now finally have a place to call home. David and I couldn't believe it, they worked so efficiently that we wish we could have prolonged the process. It was definitely a wise choice to choose Blank Financial to help us, they were very responsive and proactive in finding what was right for us during a pandemic. Even though we could only meet through zoom, Bernard was personable and gave us so much confidence in his words. I would definitely recommend him and his team to my family and friends. Thank you so much Blank Financial!
On behalf of Roy and I, I would like to sincerely thank you and your team for helping us through our first home loan. Blank has gone above and beyond to assist us through all the hurdles. Not only were you available all times through the day to answer questions and clear doubts but also provided exceptional communication and trust. You have made our first experience one to remember! Look forward to working with you again soon.
Bernard & his team provide exceptional service.
I recommend to anyone soo professional makes you life sooo easy Thanks Bernard and lavinia
Where do I begin? Bernard has been giving me advice for months during my property search, and when the time came, he really took the stress out of buying a home and getting my finances sorted. Bernard gave me the right advice, took the time to ensure everything ran according to plan, and worked tirelessly to get my finance through on time without a hitch! If you are looking for a broker, look no further!! Thanks Bernard & the team, I really appreciated you hard work! Will continue recommending you to family, friends and clients.
This is my second time working with Bernard and it has been another great experience. He has gone out of his way to get me the best rate and outcome possible. I could not recommend him highly enough. Thanks again Bernard.
My experience dealing with Bernard and his team has been absolutely faultless. From the moment I spoke to Bernard I felt confident that I was in good hands, and was dealing with someone who knew what they were doing. All my questions were answered thoroughly and Bernard was completely transparent throughout the process. I hit a couple of bumps in the road and Bernard was able to overcome them for me, he does not submit to the lender until he is absolutely confident of an approval. My approval took 7 days! And he believed it would have been quicker if we hadn't struck a difficult lending manager. He went above and beyond getting information for me and I was treated more like a friend than a client. Bernard's reputation preceeds him, and all the positive reviews are true. I won't use another broker ever again. Thank you Bernard, I will recommend you to everyone!!!!!
Bernard and Lavinia went above and beyond all of our expectations - after a bad experience with another broker we were recommended to Blank and were delighted with their service. Bernard and Lavinia are a pleasure to talk to and communication was prompt and professional. We couldn't recommend them any higher!
I am thankful to Bernard and his excellent team for all the work and effort they placed in securing my home loan for my first home. His team were always helpful in answering my queries at any time of the day and I appreciate all the kind effort they all did for me. Thank you! and looking forward to working with you again.
A professional team who deliver results with the customer front of mind - can't get much better than that!
Absolutely flawless experience! From start to finish Bernie boy was the ultimate professional, very responsive, and worked tirelessly to get our finances approved. I could not praise and recommend him and his team highly enough! Blank financial are who you want, when sorting out your home loan.
My partner and I have just received our approval documents from Macquarie Bank which has all been set up by Bernard and his team. We had a tricky situation where we had recently moved back from the UK and both commenced new employment. We had spoken directly with Westpac and NAB as well as other brokers who fell away when it all got too hard. Bernard was the only broker who thought outside of the box to ensure we got the result we were after and we are very pleased. In the end he had 4 separate valuers through the different bank applications so we could leverage and select the best option for us. We also enjoyed his FaceTime calls all throughout the day and night (not sure if he ever sleeps!) so he could update us with any news.
After loosing confidence in our broker 3 days before bidding at auction our estate agent recommended Bernard saying she believed he was the best in Victoria. Within an hour he was face timing us - personable, kind, 100% understanding of our situation and working endlessly for us he had our loan approved in a day. I simply can not recommend Bernard and his team highly enough.
Bernard and Lavinia helped us refinance our two loans. Bernard’s knowledge, professionalism and service is why we keep coming back. Phil and I have been clients for over six years and we appreciate the insights and guidance from Bernard. My current bank was not interested in talking to us and made no effort to retain us. That is why instead of Bank loyalty we choose Broker loyalty. Bernard and Lavinia are not just great professionals but great humans.
Bernard and the team at Blank were very professional and took the time to understand our situation. Bernard explained the different options we have and was very clear in his explanations. The team were very efficient in turning around our application and were always willing to answer any questions we had! Thanks for the great experience team!
Bernard, Lavinia and Rosie are wonderful people, trustworthy and thorough professionals. Would highly recommend the team
Absolutely fantastic service. Bernard was professional and was always available. Thank you!
Bernard and the Blank Financial team came highly recommended to us and we were not disappointed in the outstanding service and assistance provided. As first home buyers my partner and I had many questions, concerns and even some doubts that we would be able to find our home in a very competitive market. The Blank team’s knowledge and expertise were invaluable to us throughout our home ownership journey. We cannot thank Bernard and the team enough for guiding us through the process to successfully purchasing a property. Bernard’s integrity and knowledge was unmatched from our very first inquiry and we will continue both recommending and using Blank’s services ourselves in future.
Thank you to Bernard and Lavinia for helping us with purchasing our first home. They explained everything very clearly and got us a great result with our mortgage. Highly recommend!
Bernard has always been the most helpful since the very beginning of our journey towards home ownership. He’s been there for us when we initially bought a home, and now we’re refinancing. In fact, he proactively contacted us about refinancing, and made it a very hassle free experience, as always, and as expected of him. He indeed is our broker for life!
Bernard was prompt and listened intently to our financial needs. He was very approachable, responsive and he has an excellent understanding of his business. I highly recommend Bernard to anyone who needs an honest and hard-working broker.
extremely helpful and professional.
Great personalised service from Blank Financial who walked us through the complexities of refinancing our home loan and investment property. Bernard and Lavinia followed up on all our questions quickly and provided regular updates. The advice received and the new arrangements put in place are saving us over $10k in the first 12 months. Would highly recommend getting in touch with them. Thanks!
We have recently refinanced 3 properties and cannot compliment Bernard Desmond highly enough for his thorough research, hard work and looking around to find the best possible interest rates and conditions for us. Bernard and his wife Lavinia are terrific to deal with and have made what could be a complex process much simpler. They are also extremely responsive and always updated us on the progress of our loan applications. We are very happy to recommend them. Jason & Susan Close
As a first home buyer Bernard made it as stress free and seamless as possible. He went above and beyond my expectations. I highly recommend Blank Financial.
Blank Financial has been an absolute pleasure to work with. Bernard & Lavinia made the whole process extremely simple and we got our approval much sooner than we expected. They answered every silly question we had with professionalism and ease. Can’t recommend them enough!
Clare Van Elewoud
Bernard went above and beyond to help us get our dream home in a really short turn around. Bernard was a pleasure to deal with, he was very responsive and took the time to answer all of our questions. We couldn't recommend him more highly!
Bernard and Lavinia did a wonderful job on our refinance and ensured the process kept on track, in spite of several complexities in our case. We would highly recommend them to others.
A great experience and result. Will recommend without hesitation. Bernad is the man!
Bernard assisted my partner and I with acquiring our first home. He has shown us patience, persistence but most importantly - passion in what he does. Not only does he exhibit an impressive skill set with his many years of experience and abundance of knowledge, he also has an incredible ability to uplift you with his positivity. If it were not for Bernard’s constant reassurance and support, this process would not have been so pleasant and delightful. Bernard, thank you for your time and kindness, it is clear to see why you come so highly recommended. For anyone and everyone looking to buy their first, fourth or tenth home - I can confidently say that Blank Financial will see you through.
Bernard was amazing. He was quick to respond and clearly explained all our options. We are really happy with his service.
As a first home buyer the security and assistance that Bernard provided was amazing. He walked my partner and i through the whole process and got us the best outcome. Highly recommend for anyone as the knowledge that Bernard has is superior to those in his field.
Bernard is an extremely professional operator who keeps his clients updated and works hard to get the best deal for them. Our recent refinance application process was a great experience with a smooth process overall. Bernard and Lavinia are an excellent team and were always available to answer any questions no matter what time of the day or night it was. Highly recommend using Bernard and Blank Financial to anyone looking for not only for a great deal but a highly knowledgeable and experienced broker. Keep up the fantastic work Bernard and Lavinia.
We came to Bernard to discuss obtaining a loan for our first home. We had spoken to other brokers previously but Bernard explained everything in detail to us and ensured our first meeting was in person which made us feel more comfortable. He explained all of our options and worked closely with us to get us the best loan possible. We couldn't recommend Bernard more highly!
Bernard has been my mortgage broker for many years. He helped me get my first mortgage and has just ensured approval for my next one. His professionalism and communication were unmatched by other brokers I had spoken to prior to engaging him, I would highly recommend him and the service of Blank Financial.
Great service with clear and concise explanation! Bernard was only too happy to tend to our questions (of which we had many, being with the same lender for a great many years). Bernard took us through the process step by step and made even the harder and more arduous tasks easier for us. Would definitely recommend Blank Financial to others seeking to start or change up their mortgages!
Highly recommend Bernard to anyone wanting to refinance or apply for finance. Bernard got us an amazing deal and we are financially far better off as a result. He got back to us promptly with any questions and help we needed no matter the time of day or night. We were working towards a tight deadline which Bernard ensured was met. Bernard was friendly, professional and efficient. Thank you
Bernard has been an absolute professional from start to finish during the process of me buying a land and house package. As a first home buyer, I trusted his knowledge and expertise to guide me through the process of securing a home loan. The timing of my settlement date was just before the Christmas season, I was very impressive with Bernard getting both my land and construction loan approved on time. I really appreciated his guidance on the process and the recommendations he offered me for other services along the way. For example - conveyancers and home inspectors. I would highly recommended Bernard to anyone who is looking for a mortgage broker and will continue to use his services in the future. Thanks Bernard and Blank Financial!
Blank Financial have been absolutely amazing in the service they provided us getting our loan approval. We had an impossible deadline that Bernard worked all night to push through to the bank (literally all night!) We are beyond grateful for his help, and cannot recommend his services highly enough.
Dealing with Blank Financial has easily been the best thing my partner and I have done when sorting out our home loan. We both just assumed we would go with one of the big 4 because they originally gave us pre approval. With the information we gave Bernard was able to find us a much more competitive rate with far fewer ongoing fee's, which over the life of the loan add up dramatically. He made the process so easy and stress free for us, it allowed us to focus on all the other thing that come up when moving into a new property. I was blown away by his attention to detail, as well as his response time if we had any questions, literally any time of the day or night. I couldn't recommended Blank Financial any more highly.
Extremely happy with Bernard’s professionalism and knowledge. He has made what could have been a very stressful process so easy. He always puts the customer first and always prompt to answer to calls and messages. We wish Bernard all the very best for the awesome work that he does with his customers. Highly recommend Bernard if you are looking for a professional and knowledgeable broker with excellent customer service.
Bernard has helped us with the purchase of our second investment property. From the get go, he was very professional and went out of his way to offer us the best solution. This reflects his knowledge and skills as well as customer care and satisfaction. Bernard is a sincere and honest person who will deliver a service which will exceed your expectations. He will never make a promise he cannot honour. I strongly recommend his services.
Bernard continues to excel both in his personal and professional life. He deserves the highest praise both internally within the industry and externally from customers such as ourselves. He continues to really display high levels of emotional intelligence and always offering clients the opportunity to get independent advice from a third party. Bernard offers clients a diverse skills set and is someone with extensive knowledge both related to finance but also housing/real estate and general negotiations. I highly recommend using Bernard if considering making any major move in your life. Hope this helps whoever is reading this and thank you again Bernard for offering us such valuable assistance. Take care and stay safe.
Bernard from Blank Financial was amazing and helped me as a first home buyer at the age of 20. He was a great help and made the process extremely easy for a first home buyer. I highly recommend Bernard's services to anyone especially for first home buyers.
Bernard Desmond is a legend. This is the first time we've used Blank Financial but we'll be back for sure. We needed to refinance and Bernard worked so hard for us to get us the best deal going. Couldn't have got it without him. Best of all, he did all the hard work. All we had to do was sign on the dotted line. Thanks Bernard. Until next time...
Bernard Desmond was recommended to us by a friend and we couldn't be happier. As first home owners he was able to share his knowledge and expertise to guide us through the process of securing a home loan. Throughout the process he ensured we were informed and understood what was going on, even communicating with us after hours. We would highly recommended Bernard to anyone who is looking for a mortgage broker and will continue to use his services in the future.
We were recommended to Bernard & Blanc financial through family members. Bernard worked closely with us and our accountant to get a good deal over the line. Being a small business owner in the current COVID climate, it was certainly not the best of times to be financing, but we all managed to work through it together patiently and achieved a favourable outcome for all. Thanks Bernard, Appreciate your advice and service! :)
Bernard is professional and knowledgeable. He is attentive and will provide you the best deal that's suitable for your requirements.
Working with Bernard and Blank Financial has been a great pleasure. As a customer it was a very seamless and highly efficient refinancing experience. Their use in using the latest in open banking technology makes the process super quick and secure. Definitely exceeded my expectation and would highly recommend to anyone looking for a broker. Thanks heaps :D
Bernard is an absolute pro. He certainly lives up to his many awards and reputation within the industry. As a first home buyer new to the market, Bernard did an incredible job of allaying the fear and trepidation that comes with making key decisions and supports you every step of the way. Bernard is calm, personable and has incredible attention to detail and an ability to get the job done - no matter what hurdles you (or the bank) put in front of him. I couldn't recommended Bernard any higher, a person you can trust and count on throughout the stress of purchasing a home.
Bernard has been one of the most efficient professionals we have met. Every touch point was facilitated online which we highly value during this time. Bernard has been responsive, even after hours, and addressed any queries in a timely manner. We highly recommend Bernard and would use his services again in the future.
I was looking for a better deal on my home loan and also some service, Bernard and his team not only saved me $1,000s in interest but also ensured the approval and settlement process was smooth. His experience in knowing which lender to use for your employment type and who is quicker to get the job done was also on point. I would recommend that if you are looking for a broker you call Blank first. He is the best and he delivers on his promises.
Bernard is a gift to the mortgage broking industry!! I’ve dealt with 5 different mortgage brokers and Bernard is leaps and bounds above the rest. When my previous broker was unable to organise a refinance for me Bernard took on the challenge and was able to get me an amazing interest rate with a better bank in such a short time frame. From the initial moment Bernard contacted me to the end of the journey I found the experience super professional and extremely timely for a process that took me over 2 months with the previous broker. My advice to anyone that needs help organising finance would be to give Bernard a call as he makes a normally complex and stressful process super easy.
Outstanding Service We couldn't have purchased our first home without Barnard Desmond. First home in a new city everything is overwhelming! It was certainly not a straightforward process with various hurdles along the way but Bernard was outstanding and was on top of everything in a very professional manner and did exactly what he promised by going above and beyond our expectations. Highly recommend.
Blank Financial and Bernard have been great and very helpful. I have used Bernard twice now for a home loan and a refinance and couldn’t ask for any better. Highly recommend! Thank you again
Bernard Desmond and Blank Financial was a rockstar and he helped us get our home of our dreams, he took the time to learn about our goals and objectives, our position and explain the process and guides us in a direction to get the best result. Bernard Desmond and his team were so professional, efficient and got it done without any B.S! I couldn't recommend Blank and Bernard highly enough!!
and was a rockstar and he helped us get our home of our dreams, he took the time to learn about our goals and objectives, our position and explain the process and guides us in a direction to get the best result. and his team were so professional, efficient and got it done without any B.S! Couldnt recommend Blank and Bernard highly enough!!
This is my second experience working with Bernard. His manner is extremely professional and he worked tirelessly to assist me in securing my home. He has been incredibly responsive at all hours. I highly recommend him. Thank you Bernard for your amazing help.
Outstanding level to detail, meet all client expectations. Highly recommended A+++++++
The process of purchasing a property can be quite overwhelming however, with the assistance of Bernard and Chris the experience has been fantastic. Bernard and Chris are both extremely knowledgeable, professional and generous with their time. I would highly recommend their services to everyone I know.
Bernard and Chris were absolutely phenomenal throughout this process! They completely exceeded my expectations and everything went perfectly. Blank Financial uses the latest technology for this process which makes it 1000 times easier than it was in the ‘old days’. I have managed to secure the best rates on the market and take advantage of the offers available. All with a minimum of fuss. Chris and Bernard never stop working and this dedication to their customers means that even during this covid-19 period my re-financing went through smoothly. Thankyou so much Blank Financial! I would highly recommend everyone to use Blank Financial. Tim Thomas
Without Bernard's support we would not have been able to finalise the difficult sale and purchase of our old and new properties. Bernard's expertise and prompt service made this stressful situation achievable. I have and will continue to recommend and use Bernard's services.
Professional, diligent, efficient and thorough, Bernard is an outstanding broker. As a first home buyer the process can be daunting, however Bernard engenders a sense of trust that he absolutely knows what he is doing and that he is working towards creating the best possible outcomes for you. Bernard's communication is incredible and he certainly goes the extra mile to explain the entire loan application process - from pre-approval right through to settlement. Not only does he explain, he physically walks you through it and connects you to additional supports where required. We always thought we would 'go it alone' through this process, I'm glad we didn't and couldn't recommend Bernard highly enough!
A million thanks to Bernard for securing us the loan. I have dealt with many mortgage brokers in the past. Never seen such a wonderful and awesome person as Bernard. We were in a very difficult situation when we approached him. He had to go through a lot of hurdles and finally came up with solutions for fetching us the loans. We deeply respect and thank him for the solutions he has provided us with. We would like to wish Bernard and his family all the very best in health and growth in their lives for many years to come.
Very happy with Bernards help and guidance through the process. My partner and I felt we could reach him anytime and he answered all questions we had. Strongly recommend for anyone in need of a Broker.
Bernard has been simply fantastic to deal with. Has always made time for us, returned calls and emails ASAP. Stayed on top of our application and escalated when required to drive our loan to approval. As a first home buyer, he provided clear and concise guidance to alleviate any concerns I had. Would recommend him to anyone looking for a broker.
To put it simply, absolutely fantastic! Bernard went above and beyond to help us with every little detail and question we had. He helped us achieve what we wanted and tailored it to us personally. He even went far out of normal working hours to help make it work for us. I am very grateful for all his help, and cannot recommend him enough! Thank you again! Laura & Tim
Bernard was fantastic to deal with. He was very thorough with all the documentation he needed and secured unconditional approval for our new house very quickly. He was also great at returning calls and messages promptly. I highly recommend Bernard.
Bernard has been great and very patient, excellent broker to work with who will cater to your busy schedule and go out of his way to get the best deals for you. Also good at explaining things especially for first home buyers. Would definitely recommend as a broker who cares and goes out of his way for his customers.
Could not thank Bernard enough for all the hard work and effort he has put in with getting me my first home He has made every step of my journey so easy and always went out of his way to help me. Being a first homebuyer I had no idea what was going on but he was there to help at any time whether it was meeting me at my workplace if I couldn’t get time off work or catching up with me after hours to get documents signed! I highly recommend Bernard if you’re looking for either a new broker or if you need one for the first time, he will make your journey a lot less stressful Unlike some people in the industry he actually wants the best deal for you and always has your best interests in mind. I will be a lifetime customer of Bernard and I’m sure if you get on board with him, you will be too! Thanks Bernard!!
We wanted to buy another property and Bernard made sure it happened ! His knowledge is vast and Bernard has an ability to overcome any problem and find another option to ensure you get to your end goal. His friendly approachable nature and his enthusiasm makes working with him a delight. Thank you Bernard , will will be ringing you again when it’s time for another one ?
"Bernard has been an absolute pleasure to deal with throughout our mortgage loan experience. Professional, efficient and always willing to go the distance, we have valued his input in making this process easy and straight forward. Thank you again, Bernard!!"
Bernard has been terrific on a couple of purchases that I've completed. Be it probabationary periods, land zoned as farming or any other complication you can think to throw at a broker, he has handled them all and successfully arranged deals for me. I definitely recommend his services.
Bernard was outstanding to deal with. His communication was excellent, was always available, whilst his attention to detail was second to none. Considering the tricky circumstances of our loan, Bernard worked very hard to get the best outcome for us, in the shortest period of time. We have already passed on his details to family, and would highly recommend him to anyone looking for a quality broker that puts their client first.
Bernard is fantastic, his attention and dedication to the client is unmatched in my view. Anytime day or night Bernard is available and he provides the most comprehensive and thorough service that meets your exact needs.
Bernard was so helpful and went out of his way to make the process easier for me. As a first home buyer I had a lot of questions and he was there at every step to advise me. I would not hesitate to refer anyone to Bernard for a home loan. Thanks Bernard for putting up with me and getting me a competitive home loan under difficult circumstances.
Bernard Desmond has been very helpful and cooperative with our home loan needs. He understood our requirements well, gave us an accurate picture of our loan capacity and what our cash flow will be post the loan. He did not only give us the short term visibility of the loan but also looked in the long term perspective of financial planning. I found him very knowledgeable, accomadative and an expert in the loan market domain. Above all his amazing sense of humour and spontaneous reaction adds pleasure to the loan experience. It's been the best loan experience that we have had and will recommend him to all our friends and acquaintances. Thank you again Bernard.
Bernard has been extremely competent, professional and proactive in his work and has always given us great results, no matter how difficult the case may be. We are very happy since we have moved to Bernard and I recommend anyone looking for a Mortgage Broker to avail of Bernard's service, who will not only give you a desired result but direct you in a very positive future in your investments. Richard D'mello
Excellent Service, Best in the Industry: 13 months ago I contacted Bernard for my 1st home loan, he was agile, spot on and very accommodative to customise the loan to my needs. The 2nd time ( few days ago) I was reluctant to go back to him thinking that he may not be as responsive as this is the second home loan from him and of a much smaller value. But he proved me wrong. In fact my home loan this time had a tight timeline of 1 month settlement and was not an easy approval. Bernard was even faster on my Loan application than the 1st time. This time again he was very adjusting, available on the phone 24x7 and met all deliverables( including timeline and amount) of the home loan. I did my homework and hunted for other home loan offers, but his offer on interest rates and other important factors was the best in the market. I tried to find a loop hole in his working style, but I could not find any. His rich experience in the Loan Market, depth of knowledge and customer focus makes him the 'GO TO MAN' for any home loan. I have recommended him to all my friends and all have come back with a great feedback about him. Double Checked: Best in the Industry Services are guaranted, from Bernard Desmond. When its a home loan requirement, go to Bernard Desmond. Jasvinder Undoubtedly
Bernard, you were such a pleasure to deal with & we are just so grateful for your attentive, professional & pro-active approach, not to mention the amazing savings you were able to achieve for us! We thank you so much for all your help, from the bottom of our heart & we would absolutely recommend you to everyone we know. Much love & appreciation, Marysze Gomes?
Thank you Bernard for being our trusted financial adviser for lending requirements! Bernard has proven how client knowledge and understanding a client’s financial needs can lead to a fantastic result and he is saving us thousands in the process. A very worthy relationship with a knowledge and customer centric professional. Thanks Again!
I have used a couple of different brokers from other businesses before and none of them were as efficient as Bernard. Highly recommended.
TESTIMONY!!!TESTIMONY!!! I am very happy to receive a loan from at this part of the world, i am here to recommend you all in need of financial assistance to contact SPENCER SAVINGS BANK a genuine loan lender for your loan application Email via: [email protected] com
Couldn't recommend Bernard more highly. He was diligent and hard working when our application was drawn out and always maintained contact to keep us informed. Bernard has access to a large network which makes you confident he will get you the best deal to suit your needs.
Couldn’t speak more highly of Bernard and his service throughout the whole process. His attention to detail and willingness to ensure that I got the best outcome is a testament to how he runs his business. There is no doubt that I’ll be coming back for future loans.
Bernard Desmond came recommended to us through a friend, and we couldn’t be happier. As first home buyers we were fairly unfamiliar with the process of securing a home loan. Bernard guided us along the way, always explaining and assessing our options so that we could make an informed decision. He always went above and beyond to meet deadlines on our behalf and get us the best result. Will be recommending Bernard to others looking for a reliable broker
Bernard was fantastic. Very collaborative and helpful through what could have been a stressful process, but turned out not to be. Would recommend to anyone.
Bernard was fabulous to work with, he was very responsive and went the extra mile to help us. Would recommend him to anyone looking for a broker.
Hi dear friends do you need a loan to pay your bills, build a house or do business if yes i just got mine you can email them via [email protected] com or whatsapp him +14072594617
Bernard was extremely efficient, hardworking and reliable. He put our needs first and nothing was too much trouble. I would highly recommend Bernard and put him at the top of your list when it comes to Brokers as you won’t be disappointed
Bernard was sensational. Not only is he a good guy and easy to deal with but he managed to quickly re-finance my two loans that were put in the "too hard basket" by another large broking company. Very happy and will certainly recommend him.
Hi there, Bernard has recently made possible an amazing deal on a home loan .After going through some research gathering information on our own, we were starting to feel a bit deflated.Been a young family and with the criteria tightening up with the banks,It seemed like a great opportunity might pass us by.we decided to down a different avenue and use living property, through our buyers advocate we were introduced to Bernard, and that’s were things turned around . He is very honest, hardworking and absolutely professional, Within a short time we where signing our home loan, I couldn’t believe it. If any one out there is thinking of using Bernard’s services, I couldn’t speak highly enough of him .I can’t believe how easy it became .Thanks Bernard for everything you have done
We were looking at refinancing our existing mortgage. Bernard was fantastic. He asked a set of specific questions to help him to shape what lender products were the most suitable for our needs. He then presented those options in a simple easy to understand manner, and was able to quickly answer all of our silly questions. After we moved providers he's been available to any of the questions we have, and has always been willing to help out. I would definitely recommend him.
If you are looking for a broker that will meet all your needs Bernard is your man! He helped us twice with getting our loan sorted, provided up to date information and always followed up even though our requests were last minute. Although he is a very busy man he always makes time for his customers, great to deal with and very patient. Bernard will go the extra mile and provide you with options rather than going with the usual big banks. Thanks again Bernard for all your help.
Very Professional Service. Bernard kept me updated throughout the processing of the application and also assisted in having the refinance done quickly. Highly recommended.
Great dealing with you Bernard. Very professional & understands what the customer wants. Is always proactive in his dealing ,sure to recommend him to my friends and family. Keep up the good work.
Fantastic service and assistance over the last few months. Thank you Bernard for your honest and knowledable advice, we're extremely grateful and know we're in safe hands!
Bernard helped us to secure our first home loan in a timely and professional manner. He was patient and answered all of our questions, ensuring we felt confident in the process. He got us a great rate and continued to follow up until we reached settlement. He goes above and beyond for his customers, and I highly recommend him.
Bernard did an excellent job as our mortgage broker. His expertise and knowledge helped guide us through the process of buying a house with ease. Not only did he help us secure a competitive rate on our home loan, he also helped teach us about the practicality in structuring our mortgage. Bernard truly went above and beyond in his services and as a professional. Our experience with Bernard was educational, and provided a sense of security when entering into the housing market when achieving our goal to home ownership. We would definitely recommend Bernard’s services to anyone looking to enter the property market! Thanks Bernard
Bernard is an absolute professional and ontop of that he is one of the nicest guys Iv met. Our loans would of been a lot of work for him to get over the line, but with his expertise and direction he mangaged to do it with some amazing rates with one of the major banks. It was a dream after the bank who we already had our loans with knocked it back for no real reason. A true gentleman comes highly recommended.
Very Happy with Bernard’s Service, having used banks directly before I can compare his service and confidently say he is best in his business. Super efficient and provides great service to his customers saving them time and money. Highly recommend if you are looking to use a mortgage broker in melbourne he is your man.
We highly recommend Bernard Desmond. He looked after our interests and worked hard to get us the best rates and offers. He is a very knowledge mortgage broker who helped us understand our financial situation and helped and guided us to find low interest rates for two of our current houses and encouraged us to buy another property. He went above and beyond and was available when we needed any questions answered. Thanks again for all your help and advice Bernard. We wish you and your team all the best for the future and continue to be the number one broker in Melbourne.
A great service delivered by Bernard. His energy and desire to truly help his customers shines through in everything he does. Always responsive, always gets back on time, always follows through on his actions!
Choose Bernard Desmond as your mortgage broker, you won't be disappointed. Bernard treats all of his clients as if you an ultra high net worth individual. The bank got our loan with kept asking for additional valuations which was delaying our loan and potentially putting the whole situation at risk. Bernard fought to get the bank to accept documentation it already had and we got everything approved in time. Bernard has got your back!
Bernard was recommended to us when our previous broker went AWOL at the last minute. He worked very hard for us and made the whole process, including refinancing our existing loan, quick and easy. He explained what was happening at every step and made us feel very comfortable throughout, as well as getting us much better rates! He is not only extremely good at what he does but a great person as well, and we would not hesitate to recommend Bernard to everyone! Adam & Nikki
Bernard was great to work with for my first home loan. He really went above and beyond to help me! Highly recommend
We were extremely delighted to have Bernard Desmond as a broker for us.Being the first home buyers we did not had the proper insight of how to make an approach to buy our first home.Bernard guided us throughout the whole process and made it real easy for us. The situation might could have been different if someone else could have been the broker for us.We strongly recommend Bernard Desmond to everyone out there looking to buy properties especially the first home buyers. Timely decisions & speedy processing are the outstanding skills of Bernard.Without any doubt we must say that Bernard got to be the # 1 broker in Australia. Many many thanks to Bernard and God bless him always...If you guys out there looking for a great professional , reach out to Bernard Desmond. Faraz Yunus & Shagufta Faraz
Bernard has been a huge help in applying for our mortgage. We had a few issues throughout our loan application process and Bernard helped a lot with resolving them. He also put in quiet a lot of after business hours work for us which I really appreciated. Thanks Bernard.
We didn't have a straight forward situation, and had problems in the past with other brokers that saw our situation and walked away. Bernard didn't he took the time to look at our situation and he worked hard to get us in a better position for that my husband and I will be forever grantful for the financial position we are now in, thank for your help and care.
Bernard is a excellent broker, he helped with our needs and gave the best advice for our situation. Very approachable and would definately recommend to friends and family.
Bernard was instrumental in getting the settlement completed for my home as well as refinancing of all my loans. I had piece of mind knowing that my financial matters were in safe hands and I had the confidence in Bernard that he will get the job done!! Bernard continues to impress as gets every task completed. Mine job had involved immense pressure and limited time frame, but Bernard rose above and beyond to the occasion. This testifies to his passion, dedication to his customers and his hard work. Thanks Bernard. You have done an amazing job yet again!!. Gavin.
Behind Bernard’s welcoming smile is a workaholic who treats you like you are his only client. I engaged Bernard to help me pay for a financial separation. Not only did he make a daunting situation possible, he made it almost effortless. He was always available to answer my questions. He found a lender that could help me, at a lower rate than my current mortgage, and played a major part in orchestrating a fast settlement. I do not hesitate to recommend Bernard.
It’s rare to find people who hold your hand while you take a leap of faith and make a life-changing decision. There’s a lot that goes into buying a home, and it’s amazing to find someone who’s there to support and guide you while you hop on the emotional roller coaster. Here’s to the incredible support that you’ve been, Bernard. Can’t thank you enough!
A BROKER LIKE NO OTHER.. TOP OF THE CLASS...BROKER FOR LIFE
Would highly recommend Bernard & his team. Being self employed we were dreading moving house with the usual amount of mountains of paperwork involved. Bernard made the whole process from start to finish easy, fast & pain free. Professional, prompt & reliable. We even got a better rate on our new mortgage.
Bernard was fast, reliable & very easy to work with. Being self employed we were dreading moving house as all the usual mountains of paperwork required was a daunting task. Bernard & his team made the process very easy & the whole progress from start to finish was pain free! We got a great rate too, better than our current mortgage. Would highly recommend Bernard.
definitely not one of the stereotype brokers you will find on the market. he is different and knows exactly what he is doing.gets everything going as soon as possible, and once done does not wait for you to call him, but keeps you posted all the time.must also have a wonderful team who caries out the work in an organised fashion.if anyone wants a Loan, with no glitches, he is definitely the person to go.provide required documents, and he gets you what you want.on a last note he is professional, and easy to deal with. thanks bernard for your contribution, in our property portfolio regards rajeev.
Nedeljko Ned Dragojevic
We had Bernard help us refinance our loans and must say no one came close to his professionalism and service he has provided and save us a heap with our loan. Happily recommend his service to anyone. Thanks a lot Bernard... Out of 5 stars I rate him 10
We have used Bernard's expertise multiple times in the last couple of years for our finances. If you want the best go to Bernard. He is passionate about offering a great service and assisting his customers as much as possible. Thanks Bernard for your help.
We were very grateful to have found Bernard, who was recommended to us. Bernard was able to have all our paperwork processed and completed in less than 2 weeks with our loan conditionally approved and all stress free!
After speaking with a number of Mortgage Brokers and experiencing poor service. I had seen Bernard at the Obrien Real Estate Summit which Bernard is a sponsor of. I thought if this guy does half of what he says he does he will be 10 times better than my broker experiences so far. Well happy to Bernard has been outstanding, exceeding all my expectations, speed of service, attentive, got me the best deal and a super nice guy, thanks so much Bernard Desmond.
Bernard provided professional, efficient service. He went above and beyond expectations to deliver results in a situation where the odds seemed stacked against us. I would not hesitate to recommend him and will definitely use his services again in the future, should the need arise.
What a great service by Bernard! He goers above and beyond to come up with best possible deal for his clients. He’s work is very punctual and delivered timely. Way to go Bernard, keep up the good work!
Excellent service and a pleasure to deal with
Bernard did such an amazing job at guiding us through the process of buying our first home! He understood the market so well and was so clear with us the whole way through on what to do and expect! We feel so lucky to have found him as our broker and recommend him to everyone we speak to! �
I want to thank Bernard for his assistance in getting us the finance required to fund a new home build. I had been dealing with another broker prior to Bernard who was a close friend of ours, he was unable to get the full finance to fund our build and we stood to loose 16K deposit if we walked from our contract, to say we were shattered was an understatement. I was recommended by my brother in law who Bernard had assisted only weeks earlier. To be honest I thought if a friend of ours can't help how can anyone else. How wrong was I. Bernard took the time to listen to our unique situation and went to work to find a solution which not only meet but exceed our expectations. From the time we first spoke over the phone and then meeting up with him, he gave us the assurance and confidence that we could achieve our dream of building our home. The whole process was quick and stress free, as we were updated at every stage and to top it all off he also got us a better rate than our previous broker. If you are needing a solution for your finance, don't go anywhere else, as Bernard is second to none in this industry and I highly recommend his outstanding service to you. Once again thanks Bernard for all your help.
Thanks to Bernard we were able to get our kids a guarantor loan to become first home owners. Using one of our properties as security, our kids didn’t need a deposit to get the home loan and Bernard was able to shop around for the best lender to suit our needs. We did have some bother trying to get our bank to release the security of our property to the incoming lender for the new loan. Bernard and Myself especially had to chase my bank hard to move them along, but in the en Thanks to Bernard I’m very proud my son and daughter were able to purchase their first home together
I want to thank Bernard for his help in a very difficult situation we faced. We had been dealing with another mortgage broker who is a very good friend of ours and we had signed contracts to build our dream home, we had the unfortunate situation that through our other broker that he couldn't get the finance to fund the build and at that stage we were standing to loose 17K if we were to walk from our contract and loose our hard earned deposit. My brother in law recommended Ber
Bernard is an outstanding broker. Not only a nice friendly person but he looks outside the box to go beyond his customer service. Not only would I recommend him but strongly advise it. He looks for your best interests.
Bernard Desmond is an exceptional mortgage broker! He went above and beyond for my first loan and was very enjoyable to work with. You can understand why he’s winning awards left right and centre because he deserves all the recognition he can get. I can’t recommend him enough and will definitely use him in the future! Thanks again Bernard, couldn’t be happier with the result
Very knowledgeable guy! Customer service is top notch! Takes time to get to know you! Goes out of his way to deliver the best result! Best mortgage broker I’ve ever met! Highly recommend!
As a First home Buyer and New migrant to Australia we were very fortunate to have had someone like Bernard by our side to guide us through the whole home buying process. Bernard was very patient with us from day 1 and took time to understand our requirements and helped through the entire journey. As working professionals both me and my wife were only available after hours he always made sure he was available for us. No question is too much and he works tireless to deliver an outstanding service for his clients. He is a very reliable broker and I would highly recommend his services to anybody looking at buying their a new home. Cheers.
Bernard only relatively new to the industry, is truly passionate, committed and wants the best possible outcome for his clients. Bernard also helps Loan Market Head Office with our Banker to Broker Breakfast Series talking to potential Bankers looking to enter the industry. His honest journey is very inspiring. Well done and keep going Bernard!
Bernard is passionate about the process, passionate about his clients and passionate about the outcomes. He is world-class at his craft!
Bernard Desmond is simply the best mortgage broker around. He is continually surveying the market, making sure he is up to date with the very latest and deals available. He is diligent, hard working and always ready to go the extra mile to get you what you need. I have personally recommended him to friends and family many times.
Bernard is one of a kind. At all levels; customer service, research and communication, he exceeds. I recommend Bernard to everyone I talk to about property
It was great working with Bernard, he has a great work ethic and his commitment to us as his clients and his work was very evident in everything that he did. Bernard was always very confident in his role and only offered the truth in every transaction which is fantastic as it allowed us to understand where we stood with the banking institutions. We have had great success in our loan application with him and look forward to working with him again in the future. Some stand out qualities for Bernard are definitely his commitment, persistence and passion for what he does.
Bernard Desmond I want to thank and appreciate you for your hard work, commitment to our loan application and persistence. You directed us through the various options suited to our complex situation and made our loan approval come through way ahead of our dead line; placing us in good position which gave us peace of mind. You were so proactive in following up our application and I was able to trust your skills and abilities to get our finances sorted while we focus on our per
Bernard assisted in obtaining my first house investment loan. There was no way I would have got it walking through the front door of one of the big 4’s. His information on his lenders assisting the customer to achieve their financial goal is second to none. I only recommend Bernard
Exceptional broker who establishes a very personal touch to his service with his clients. Bernard went beyond what was expected travelling over 100KM to my home to help us refinance our house. He has followed up on various occasion to ensure we are happy with the service provided. He provided a no fuss service which also ensured i got the best deal available with the bank of my choice. Bernard is an extremely dedicated broker and i would not hesitate in recommending his services to anyone looking for a loan of any description.
Massive thanks to Bernard for his exceptional service in assisting us with our home loan. From start to finish, Bernard took care of everything and made the whole process smooth and stress free. Bernard has a wealth of financial knowledge and expertise and was able to secure a great deal for us that met our particular needs. He went above and beyond what was required and everything was handled in a timely manner. I can’t thank you enough Bernard for your personal service and ongoing support. I highly recommend Bernard for all of your loan requirements.
Alamjit Singh Boparai
It is far too often that you hear of people ending up with the wrong type of loan, a bad deal or sign up with promises that are never kept.